improve my credit

...this is hard.

I paid off my Sallie Me loan and my big credit card. Now I have one one credit card to pay off and a bell south debt to pay off.

Like I said in another entry…I found out my credit card balance was less than I expected so I’m thrilled about that. I estimate that I can have it paid off by February. I’m hoping to be able to make extra payments on in after I get my furniture paid off in October. I’m finding that automatic payments work for me. It keeps me from being tempted to overspend leaving me with less money to pay bills with. I still have three more bills I want to tackle before I make the leap out on my own. I also need to figure out what type of rent I’m going to be able to afford once bills start getting paid down/off.

I’m unlucky enought to pick up my poor financial habits from my parents. The truth is I really have nothing to show for my debt. Before I knew it my credit card, cell phone bills and student loans and gotten so out of hand I found my self in the ever sinking hole of bills and late fees that has pretty much killed my credit. My goal is to at least get my credit to 680.